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Best Homeowners Insurance Agencies in Maryland

Our Recommended Top 13

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Our goal is to connect people with the best local professionals. We scored Maryland homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3446Reviewed

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13Top Picks

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Providers

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Best Homeowners Insurance Agencies Serving Maryland
Germantown

Expertise.com Rating

Why choose this provider?

Klinger Insurance Group is the best independent risk management agency in Maryland. It offers homeowners' insurance, which pays for the replacement cost of personal properties destroyed in covered disasters. Policyholders can also use it as a first line of defense against a lawsuit filed by someone injured on the insured premises. People who wish to secure broader coverage may opt for an all-risk policy. Since its establishment in 1993, the firm has served over 8,300 clients in the region.

Best Homeowners Insurance Agencies Serving Maryland
Baltimore

Expertise.com Rating

Why choose this provider?

Since 1794, Baltimore Equitable Insurance has been operating as the best agency in the states of Maryland and Pennsylvania. It provides both individuals and families with a variety of coverage options to insure their homes, condos, and rented accommodations. Clients can apply for a separate plan for items like jewelry and fine art pieces. Baltimore Equitable's team of agents also offers a perpetual policy�a type of insurance that pays full benefits after a claim has been made.

Best Homeowners Insurance Agencies Serving Maryland
Baltimore

Expertise.com Rating

Review Sources

Google
4.9 (257)
Facebook
4.8 (31)
Yelp
5.0 (1)

Why choose this provider?

Baltimore Insurance Network is the best local agency in Maryland that represents a number of insurance carriers. It offers homeowner insurance with different coverage options available to meet client's specific needs. Its specialists also tailor policies that insures client's specialty items, such as expensive jewelry and valuable pieces of art. Other insurance products available are life and auto coverage policies. Since its establishment in 2011, the firm has served 2,400 individuals and businesses throughout the state.

Best Homeowners Insurance Agencies Serving Maryland
Germantown

Expertise.com Rating

Why choose this provider?

Preferred Insurance Solutions is an independent agency founded in 2000 that caters to individuals and families in Maryland. It offers the best homeowners' insurance, covering the physical structure of a house, the policyholders' personal belongings, and medical expenses for injuries incurred from accidents in the insured property. This product extends its protection to expensive or unique items like art pieces, jewelry, and fur. The company also handles life, business, and umbrella policies. Co-founder Gary Phelps has been in the industry since 1984.

Best Homeowners Insurance Agencies Serving Maryland
Germantown

Expertise.com Rating

Review Sources

Facebook
5.0 (203)
Google
5.0 (73)

Why choose this provider?

Congressional Insurance Associates is an independent company that provides the best services throughout Maryland. It offers homeowners' insurance policies that help protect the property and its contents. It also offers insurance coverage for renters, condos, investment properties or secondary homes, and personal articles. Additionally, it handles other insurance products, such as auto, flood, and umbrella policies. The company's co-founder and managing partner, Ian Higgins, brings over 10 years of experience in the insurance industry. He also holds a Life Underwriter Training Council Fellow designation.

Best Homeowners Insurance Agencies Serving Maryland
Clarksville

Expertise.com Rating

Review Sources

Google
5.0 (42)

Why choose this provider?

Meck Insurance Agency caters to individuals and families in Maryland. It is the best agency in the state that helps clients obtain personal insurance coverage, including a homeowner's policy. This policy replaces any personal belongings that have been destroyed in the named perils or losses specified in the contract. All-risk insurance is also available for broader coverage. As an independent firm, it has built relationships with various national and regional carriers, including Progressive, Chubb, Openly, and Erie Insurance.

Best Homeowners Insurance Agencies Serving Maryland
Baltimore

Expertise.com Rating

Why choose this provider?

Concrete Insurance is the best and most trusted agency that offers its services to individuals, families, and businesses in Maryland. Its agents compare homeowners' policies from various insurance carriers to provide the best coverage, protecting clients from financial losses resulting from property damage, theft, and personal liability. Some of the companies it works with include Progressive, Ally and Liberty Mutual, and Nationwide. In addition, Concrete Insurance handles other products, such as auto, real estate, worker's compensation, and commercial policies.

Best Homeowners Insurance Agencies Serving Maryland
Laurel

Expertise.com Rating

Why choose this provider?

CNR Insurance has been providing the best coverage options in Maryland since 2000. Its insurance professionals work with individuals and families to craft custom policies that secure their dwellings in case of covered perils. These policies cover the structure and contents of the house, additional living expenses, medical costs, and liability. Clients can also purchase a separate off-premises theft coverage, which insures personal property away from the main residence. In addition, the firm offers ErieSecure Home Bundles for expanded protection.

Best Homeowners Insurance Agencies Serving Maryland
Towson

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Cohee Insurance Agency serves clients throughout Maryland. Its home insurance policies carry the best variety of options, such as protection for property, landlords, renters, and condominiums. These products also include scheduled property insurance and homeowners liability. In addition, the company helps businesses and employees obtain various benefits and offers products that cater to specific industries like accounting firms, arborists, and car dealerships. Cohee Insurance Agency brings over 30 years of experience in the industry, working with different insurance carriers, including Travelers, Progressive, and American Modern.

Best Homeowners Insurance Agencies Serving Maryland
Windsor Mill

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
5.0 (8)

Why choose this provider?

Renowned provider Ross Insurance Agency caters to clients in the states of Maryland, Pennsylvania, North Carolina, Virginia, and Georgia. Its professionals work to find the best and most affordable premiums for owners seeking to insure their properties and personal belongings. The homeowners' policy also provides legal and medical coverage for injury cases that occur on the policyholders' premises. Founder and CEO Zerita Ross has been in the insurance and risk management industry for 30 years. She is a Certified Insurance Counselor and a Personal Lines Coverage Specialist.

Best Homeowners Insurance Agencies Serving Maryland
Baltimore

Expertise.com Rating

Review Sources

Google
5.0 (169)

Why choose this provider?

Anthony Walker Sr. is an insurance professional who has been with State Farm since 1995. He operates the best insurance firm in Maryland that provides various premiums for valuable assets, such as homes. Walker and his team write homeowners' policies that cover the replacement costs of damaged structures, as well as liability for injuries sustained on the policyholder's property. They also craft policies for renters and cars. Walker holds a Life Underwriter Training Council Fellow designation.

Best Homeowners Insurance Agencies Serving Maryland
Baltimore

Expertise.com Rating

Review Sources

Google
4.1 (27)
Facebook
4.4 (8)

Why choose this provider?

Maury Donnelly & Parr, Inc., is an independent insurance agency that has been serving individuals and families in Maryland since 1875. It offers the best homeowners' policies covering specific needs like replacing lost possessions or rebuilding homes, working around the client's financial situation, and presenting the cheapest options. It also protects valuable artifacts within the home, such as jewelry and art, from damage and theft. The company has worked with The National Trust for Historic Preservation to provide insurance solutions to over 250,000 members.

Best Homeowners Insurance Agencies Serving Maryland
Baltimore

Expertise.com Rating

Why choose this provider?

Rosasco & Yetter Insurance Agency offers the best services to individuals, families, and businesses throughout Maryland. It provides home insurance policies that protect owners and renters against damage to tangible assets and personal liability. It also handles other insurance products, including condominium, rental property, motor home, and manufactured home plans. As the best independent agency, it works with various insurance carriers like Progressive Insurance and has represented the Erie Insurance Group since 1996. The company's owner, Robert E. Yetter, brings 29 years of industry experience.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Klinger Insurance Group
19785 Crystal Rock Drive, Germantown, MD 20874
Baltimore Equitable Insurance
100 N Charles St #640, Baltimore, MD 21201
Baltimore Insurance Network
11 East Lexington Street, Baltimore, MD 21202
Preferred Insurance Solutions
20030 Century Boulevard, Germantown, MD 20874
Congressional Insurance Associates
20440 Century Blvd 110, Germantown, MD 20874
Meck Insurance Agency
5005 Signal Bell Lane, Clarksville, MD 21029
Concrete Insurance
6405 Belair Road, Baltimore, MD 21206
CNR Insurance
308 Second Street, Laurel, MD 20707
Cohee Insurance Agency
901 Dulaney Valley Road, Towson, MD 21204
Ross Insurance Agency
2505 Lord Baltimore Dr, Windsor Mill, MD 21244
Anthony Walker Sr. - State Farm Insurance Agent
6600 York Road Suite 109A, Baltimore, MD 21212
Maury Donnelly & Parr, Inc.
24 Commerce St, Baltimore, MD 21202
Rosasco & Yetter Insurance Agency
8831 Satyr Hill Rd. Suite 302, Baltimore, MD 21234

Maryland Homeowners Insurance Agency FAQs

  • Can you add water backup coverage to your Maryland homeowners' insurance, and does it cover flood-related damage?

    Yes. You can add water backup coverage to your homeowners' insurance in Maryland. This type of coverage pays for the repair and replacement costs caused by faulty drain and sewer backups, water heaters, dishwashers, and washing machines. Water backup coverage does not cover flood-related damage. Property owners must purchase a separate flood insurance policy.

  • In Maryland, how much is homeowners' insurance?

    The average cost of homeowners' insurance in Maryland is $1,164. The rate is lower than the national average rate, which is $1,428. Insurance rates in the state still depend on several factors, such as the property's size and location, coverage limits, replacement cost, personal items in the home, and materials used to build the property.

  • How do wind mitigation credits affect homeowners' insurance premiums in Maryland?

    Residential property owners in Maryland can pay lower insurance premiums through wind mitigation credits. These can be obtained if homes are inspected and certified. Policyholders can enjoy discounts if they add protection devices like storm shutters to prevent wind damage. However, they should keep in mind that these credits can only lower average annual insurance premiums.

  • What are the limitations imposed on insurance firms during the application process for homeowners' insurance in Maryland?

    In Maryland, insurance companies cannot decline insurance applications if they base their decisions on applicants' color, race, sex, or other discriminatory reasons. They cannot also use a person's status, if they are a victim of crimes of violence, to cancel or non-renew a policy. In addition, carriers cannot refuse to underwrite a policy even if individuals make a claim that occurred over three years.

  • Does second-home insurance in Maryland cover the cost of repairing or replacing damaged items if you rent out your vacation home?

    No. Second-home insurance does not cover the repair or replacement cost of damaged items if you rent out your vacation home in Maryland because this type of home is considered a rental property. You have to obtain separate renters' insurance. If you rent your house for fewer than thirty days, you can get extra coverage for your second-home insurance; for longer-term rentals, you may need to obtain a landlord or business policy.

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